Uninsured Motorists are Out There. Are you ready for them? | Compass Insurance Partners Skip to main content

Uninsured Motorists are Out There. Are you ready for them?

No matter how many laws there are requiring vehicle insurance, people are driving without insurance. Getting in an accident with one of these motorists could be disastrous without proper coverage.

Uninsured / Underinsured Motorist insurance covers injuries you sustain in an accident with someone who doesn’t have insurance or who only has state minimums.

As you evaluate your policies, following are three things to consider…


1. Get the Right Amount

If your goal is to protect yourself in case the other driver doesn’t have the ability to cover your bills, make sure you get policies that can cover significant damage. People generally need at least $300,000-$500,000 in uninsured/underinsured motorists coverage. Though many policies only cover $25,000-$100,000, claims can quickly exceed that amount when medical bills are involved.

2. Driving an Older Car Doesn’t Make the Risk Worth It

If you have only liability coverage because your car is 10+ years old or has a low value, you can still be covered. Get the uninsured physical damage endorsement. It is really inexpensive, maybe only $10/year, but can save you a bundle in case of accident.

3. Personal Umbrella

If you have a personal umbrella on your home insurance, you may be able to endorse it to cover uninsured/underinsured motorists. Though not all companies will offer this, several do and it could provide another million dollars of coverage which would offer peace of mind in case you tangle with someone who isn’t properly insured.

If you aren’t sure if any of these things apply to you, we would be happy to take a look at your policies and recommend the best way to get you covered. Contact your Compass Insurance Partners agent today.